ACC levies
When employers were given a choice of company for their workplace accident coverage, workplace accidents fell (it’s called incentives) and so did premiums.
Labour re-imposed a state monopoly, but promised it would not cost levy payers more.
Yet once again today the self-employed have received a 10% levy hike, on top of previous ones. And they can’t choose to go to a company which provides a better service, even though this is just for their own self-insurance!